Personal loans in Lucas, OH

Where Lucas stands

Here is the sourced Census picture for Lucas, plus the Ohio lending rules that apply to a loan taken out here.

• Population: the Census counts 588 residents in Lucas (Vintage 2023 subcounty estimate), the 633rd-largest figure among Ohio's 924 places.
• Population trend: About 0.3% below the 2020 Census base.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: about 31% of Ohio communities are smaller than Lucas (588 residents).
• Density: roughly 869 residents per square mile, spread over 0.7 sq mi of land.
• By land area: Lucas ranks 616th among Ohio's 924 places, at 0.7 sq mi.
• State share: roughly 0.0% of Ohio's residents live in Lucas (588 people).
• National rank: Lucas is 12,526th of 19,457 places nationwide.
• Growth rank: Lucas ranks 314th among Ohio's 924 places for the 2020-to-2023 change.
• Versus Ohio: the state average change is +0.9%, while Lucas moved 0.3%.
• Density rank: Lucas places 664th among Ohio's places by people per square mile.
• Against the state median: Lucas runs about 869 residents per square mile, where the Ohio median is 1,289.
• Location: latitude 40.7041, longitude -82.4220 (Census Gazetteer).
• Nearest larger cities: Perrysville (6 mi); Mansfield (7 mi); Bellville (8 mi); Butler (8 mi); Lexington (8 mi). Living near a larger metro rarely changes what is available in Lucas.
• Smaller communities within reach: Mifflin (6 mi); Hayesville (10 mi); Jeromesville (14 mi).
• Smaller places within 50 miles: 41 of them.
• At 100 miles: 437 larger Census places fall inside that radius.

The Lucas borrowing checklist

Complete these steps first when you borrow in Lucas (588 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Ohio regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Lucas-specific: the same Ohio licensing and disclosure rules reach all 588 residents.

The anatomy of a Lucas personal loan

Lucas is a small community of about 588 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Lucas lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Lucas loan is knowable in advance — unlike a revolving card balance.

The geography behind Lucas

Lucas covers about 0.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 588 residents, the land area yields roughly 869 people per square mile. The largest place in Ohio, Columbus, lies about 58 miles away. Counting outward 50 miles, 100 larger communities surround Lucas. By land area it ranks 616th of 924 Ohio places.

The Ohio lending rules that reach Lucas

The rows below set out what a licensed lender must follow in Ohio, and so for Lucas's roughly 588 residents.

What is available to Lucas borrowers

Lucas is moderately settled, with about 869 people per square mile and 100 larger places within 50 miles. What is available to Lucas's 588 borrowers is set by Ohio licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Perrysville, OH about 6 miles away.